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General Information

At OUTsurance, we’re all about giving our clients world-class service, creating a great workplace for our people, contributing to society and delivering consistent returns for our shareholders.

Our clients are our most important stakeholder group which is why we go the extra mile to provide them with value-for-money products, awesome service, and a fair deal. Read more about our sustainability report on pages 17-37 of our annual report that highlights our company, our staff, and suppliers, as well detailed information on the contributions we’ve made to our local communities and our environment during the past year.

History and culture at OUTsurance

In early February 1998, OUTsurance was 'brought to life' by Willem Roos, Howard Aron and René Otto - offering car and household insurance directly to South Africans with the promise that 'you always get something out'. OUTsurance is a member of the Rand Merchant Investment Holdings (RMI) Group and an approved financial services provider. In 2003, Business OUTsurance launched to cater for the unique business insurance needs of all types and sizes of businesses. OUTsurance Namibia has also been operating in the Namibian personal short-term insurance market since July 2007. OUTsurance entered the life insurance market in August 2008 by offering car insurance clients credit life cover on financed vehicles. We then expanded into the life insurance market in August 2010, providing comprehensive death, disability, and critical illness cover. In November 2008, Youi - our sister company in Australia - launched with world-class online quoting functionality, offering car and home insurance to the Australian market.

An insurance alternative of note

Clients receive a cash OUTbonus - the first reward system in South Africa to return cash to clients who remain claim free. To date, we've already paid out more than R3 billion in cash OUTbonuses!

With our highly sophisticated underwriting systems, premiums are calculated according to a client's unique risk profile, meaning low-risk clients would not subsidise high-risk clients. This means that if you're a low-risk client, you can get insured by OUTsurance for much less than what you're currently paying somewhere else.

Our insurance products are affordable, straightforward and there are no hidden surprises. Our short-term insurance clients pay a fixed excess amount, irrespective of the value of their claim and their premiums are fixed for a full 12 months.

Social responsibility

Our Helping Hands Volunteers Programme was established in 2003 with the aim of making it as easy as possible for every staff member to contribute to those in need.

Our Helping Hands Volunteers were involved in projects supporting:

- Rally to Read

- CANSA Shavathon

- The Centurion SPCA

- Hands Can Winter Drive

- Animal Ambulance

- The Niall Mellon House Build

- Batlobothle Day Care

- Pop Up

In the spirit of making a difference in the lives of so many South Africans, hundreds of OUTsurance staff members committed themselves to get involved in 49 different projects to help OUT the less fortunate. Visit the Staff Helping SA OUT project for more information.

In terms of the Financial Advisory and Intermediary Services (FAIS) Act as well as the South African Insurance Association (SAIA) Code of Conduct, every insurance company must have a Complaints Policy in writing. This will help clients understand their rights and responsibilities should they wish to complain. Please click here to download the OUTsurance Complaints Resolution Policy.